Is there anyone who can answer that, any Norwegians here?

[Kosmankasa]

I have been asked by the bank to send documentation for all unknown transactions that have been in my bank account during the past year. This applies to payments from the casino and transactions from the bank to the casino.
Have you experienced something like that?

[Original Jase]

@Kosmankasa your bank has asked to send documents and not the casino?

I'm guessing your bank is questioning all the unknown transactions for some sort of protection or maybe even laundering purpose. If I was to make even one unknown transaction my bank would immediately block my bank until I showed who it was. 

If it's the casino that's asking for all these transactions then this is something that happens a lot and is the casinos way of checking for a source of funds

[Kosmankasa]

7 minutes ago, Original Jase said:

@Kosmankasa your bank has asked to send documents and not the casino?

I'm guessing your bank is questioning all the unknown transactions for some sort of protection or maybe even laundering purpose. If I was to make even one unknown transaction my bank would immediately block my bank until I showed who it was. 

If it's the casino that's asking for all these transactions then this is something that happens a lot and is the casinos way of checking for a source of funds

It is the bank that asks. There have been payments from casinos for which they want documentation. They ask where the money comes from. I can't document something like that, the casino doesn't send bank statements. It also says something about money laundering, they might think that this is something criminal, I don't know.

[Original Jase]

@Kosmankasa pretty confusing, didn't you deposit from your bank to the casino in the first place? 

[Skylined87]

44 minutes ago, Kosmankasa said:

It is the bank that asks. There have been payments from casinos for which they want documentation. They ask where the money comes from. I can't document something like that, the casino doesn't send bank statements. It also says something about money laundering, they might think that this is something criminal, I don't know.

I think screenshots of deposits/withdrawals from the casinos would be good enough to prove where the funds came from. Every casino you can find that easily.

[Original Jase]

@Kosmankasayea what @Skylined87says is a great idea

[dagreenblazer]

Sorry to hear you got to go through the hassle of this, though just wanted to add hopefully helpful 2 cents.

 

Only thing you didn't mention was, have they locked your account?? Since you didn't mention it, I'm assuming you account is still open & working fine. If they didn't lock your account, then there's a fractional possibility you're not the focus of the investigation and they're looking into someone you've transacted with, because your name has shown up as an entry on their statements. 

 

If it is you being investigated, then as Skylined says, banks will accept transaction history proof from casinos ok, although that does only prove what you did with the money - banks will generally also be way more concerned with where those funds are coming from, so if your account is receiving any large cash deposits or any credits from an account they already have flagged, then you'll probably be answering questions about those soon too. 

 

If either you or any mates who have paid you via bank transfer are doing dodgy stuff, then this is not a good sign & it means they're onto you  - if you're just a regular guy with no criminal associations and all funds in your bank can be accounted for, then it should go away swift, depending on how efficient your bank is anyway.

Edited 10 August, 2023 by dagreenblazer

[Kosmankasa]

1 hour ago, dagreenblazer said:

Sorry to hear you got to go through the hassle of this, though just wanted to add hopefully helpful 2 cents.

 

Only thing you didn't mention was, have they locked your account?? Since you didn't mention it, I'm assuming you account is still open & working fine. If they didn't lock your account, then there's a fractional possibility you're not the focus of the investigation and they're looking into someone you've transacted with, because your name has shown up as an entry on their statements. 

 

If it is you being investigated, then as Skylined says, banks will accept transaction history proof from casinos ok, although that does only prove what you did with the money - banks will generally also be way more concerned with where those funds are coming from, so if your account is receiving any large cash deposits or any credits from an account they already have flagged, then you'll probably be answering questions about those soon too. 

 

If either you or any mates who have paid you via bank transfer are doing dodgy stuff, then this is not a good sign & it means they're onto you  - if you're just a regular guy with no criminal associations and all funds in your bank can be accounted for, then it should go away swift, depending on how efficient your bank is anyway.

My bank account is not closed. What they say is that since August last year, I have had over NOK 300,000 paid in, and 130,000 have gone out of the account to unknown recipients. Now they want proof of where the money comes from. When I have made a deposit at the casino, I have used my bank card or Revolut, so they can see where the money has gone. I think they suspect something criminal

[dagreenblazer]

13 hours ago, Kosmankasa said:

My bank account is not closed. What they say is that since August last year, I have had over NOK 300,000 paid in, and 130,000 have gone out of the account to unknown recipients. Now they want proof of where the money comes from. When I have made a deposit at the casino, I have used my bank card or Revolut, so they can see where the money has gone. I think they suspect something criminal

Ok, that's good news your account isn't frozen, and more likely then it's someone/some company you've transacted with, or received money from that has triggered this - i am only making assumptions, since every situation like this is individual, but normally if it was all about you then your account would be locked already.

If you can prove ok where 300K came from (wages, loans, casino winnings, etc) then it's not a problem - you'll probably be asked for loads of document proof but if your incoming funds are legit then all should be fine.

With regards the outgoing £130K, again I'm only assuming, but the bank will likely only be concerned about Revolut & the casino transactions because they offer potential avenues to siphon money away from original sources. As long as the same card was used every time and you're not scamming casinos into withdrawing to different accounts and the casino transaction history logs show all funds as being traceable & accountable, then again it shouldn't be a problem.

Same for any other 'unknown recipients' that they are querying - you may also need to ask these other companies for transaction logs to show the bank, but again, if you can prove incomings & outgoings all add up and funds sre all legit, that should be enough for them. 

Plus, there's also a relatively strong possibility you've just been incorrectly auto-flagged somehow by the bank system - the fact it's not recognising established companies & labelling them as 'Unknown' could mean it's just made a mistake and requires clarification. Or it could just be because the location of where these companies are based is causing the banks system to flag it up - foreign based casino & financial services are traditionally always viewed with suspicion.

Although, at the end of the day, the reason why they're asking is irrelevant - the fact they are is all that matters now. The bank will never tell you, and satisfying their request should be your only concern now. Though as before, as long as you're innocent & can prove all your statement entries ok then i would assume you'll be fine, it may just drag on a long time.

 

Edited 11 August, 2023 by dagreenblazer

[Gamble]

I have had friends getting their accounts closed for suspicion of money laundering, all their money was blocked for 3-6 months. So my first advice would be get some cash out so you have something to live off. Secondly, open a new bank account and try to transfer some of the money to that so you are not stuck with only the account that is under investigation. 

Lastly, when all of this is sorted, I would only use your Revolut account or something similar that you use to deposit to gambling websites. Norway is trying to uphold its monopoly and creating problems for players and casinos, so it is not good to give your bank easy access to this information. Also, you don't want your bank to have access to all your gambling transactions should you ever want a loan for something as they will not count it in your favour.